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  • Thanks.

    I pay 1.45% on HL; 0.45 to HL and 1 to the fund I hold, fundsmith.

    I wonder about moving over to a S&P tracker, given it seems to be outperforming funsmith (5y but not 10) and I guess I'm open to more risk.

  • Quite a few ETF tracker type options. 212 also has what they call pies that are similar in principle but creating your own portfolio, you can also copy ones from the community.

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